"Open your eyes...look what's inside and see...i am no poor boy..i need no sympathy... cos' i easy come easy go little high little low..... anywhere blows, doesn't really matter to me...to me" - Bohemian rhapsody by Queen
Monday, January 28, 2008
Sunday, January 27, 2008
Why is Including Critical Illness coverage in your policy so critical!!!
Critical illness or dread disease coverage are offered by most insurers. It is necessary to include them when buying a insurance policy. Cancer, heart disease and stroke are the top three major killer of Singaporeans. Together, they account for more than 60% of our total deaths.
Chinese population witnessed 36,247 cancer deaths between 2001- 2005.
Of the total population of indians in Singapore, 16% of males and 15%, females are suffering from diabetes.
Malays are first in line for cholesterol, affecting 26% males and 17% females.
27% percent of all deaths from 1998-2002 were all cancer related. Take a look at the table below
Top 10 cancers affecting Singapore men
(source NCCS website)
Top 10 cancers affecting Singapore women
The following are the 30 major illnesses that most insurers offer. Only upon diagnosis of any thirty listed in the benefit schedule will be honoured. Other diseases such rare diseases are exempted.
(1) Major Cancers
(2) Stroke
(3) Coronary Artery By Pass Surgery
(4) Heart Attack
(5) Kidney Failure
(6) Fulminant Hepatitis
(7) Major Organ/ Bone Marrow Transplantation
(8) Paralysis (Loss of Use of Limbs)
(9) Multiple Sclerosis
(10) Primary Pulmonary Hypertension
(11) HIV Due to Blood Transfusion and Occupationally Acquired HIV
(12) Alzheimer's Disease/ Severe Dementia
(13) Blindness (Loss of Sight)
(14) Coma
(15) Deafness (Loss of Hearing)
(16) Heart Valve Surgery
(17) Loss of Speech
(18) Major Burns
(19) Surgery to Aorta
(20) Terminal Illness
(21) Muscular Dystrophy
(22) End Stage Lung Disease
(23) End Stage Liver Failure
(24) Motor Neurone Disease
(25) Parkinson's Disease
(26) Aplastic Anaemia
(27) Benign Brain Tumour
(28) Major Head Trauma
(29) Bacterial Meningitis
(30) Angioplasty & Other Invasive Treatment For Coronary Artery
* Note: For Angioplasty & Other Invasive Treatment For Coronary Artery condition, most companies have a cap on the payout about 10% of sum assured.
Make you sure you check with your advisor before buying a life or term policy to insure that it covers critical illness.
Critical illness or dread disease coverage are offered by most insurers. It is necessary to include them when buying a insurance policy. Cancer, heart disease and stroke are the top three major killer of Singaporeans. Together, they account for more than 60% of our total deaths.
Chinese population witnessed 36,247 cancer deaths between 2001- 2005.
Of the total population of indians in Singapore, 16% of males and 15%, females are suffering from diabetes.
Malays are first in line for cholesterol, affecting 26% males and 17% females.
27% percent of all deaths from 1998-2002 were all cancer related. Take a look at the table below
Top 10 cancers affecting Singapore men
(source NCCS website)
| Site | Ranking |
| Lung | 1 |
| Colo-rectum | 2 |
| Liver | 3 |
| Stomach | 4 |
| Prostate | 5 |
| Nasopharynx | 6 |
| Skin (including melanoma) | 7 |
| Lymphomas | 8 |
| Bladder | 9 |
| Leukaemias | 10 |
Top 10 cancers affecting Singapore women
| Site | Ranking |
| Breast | 1 |
| Colo-rectum | 2 |
| Lung | 3 |
| Ovary | 4 |
| Cervix | 5 |
| Stomach | 6 |
| Corpus uteri | 7 |
| Skin (including melanoma) | 8 |
| Thyroid | 9 |
| Lymphomas | 10 |
The following are the 30 major illnesses that most insurers offer. Only upon diagnosis of any thirty listed in the benefit schedule will be honoured. Other diseases such rare diseases are exempted.
(1) Major Cancers
(2) Stroke
(3) Coronary Artery By Pass Surgery
(4) Heart Attack
(5) Kidney Failure
(6) Fulminant Hepatitis
(7) Major Organ/ Bone Marrow Transplantation
(8) Paralysis (Loss of Use of Limbs)
(9) Multiple Sclerosis
(10) Primary Pulmonary Hypertension
(11) HIV Due to Blood Transfusion and Occupationally Acquired HIV
(12) Alzheimer's Disease/ Severe Dementia
(13) Blindness (Loss of Sight)
(14) Coma
(15) Deafness (Loss of Hearing)
(16) Heart Valve Surgery
(17) Loss of Speech
(18) Major Burns
(19) Surgery to Aorta
(20) Terminal Illness
(21) Muscular Dystrophy
(22) End Stage Lung Disease
(23) End Stage Liver Failure
(24) Motor Neurone Disease
(25) Parkinson's Disease
(26) Aplastic Anaemia
(27) Benign Brain Tumour
(28) Major Head Trauma
(29) Bacterial Meningitis
(30) Angioplasty & Other Invasive Treatment For Coronary Artery
* Note: For Angioplasty & Other Invasive Treatment For Coronary Artery condition, most companies have a cap on the payout about 10% of sum assured.
Make you sure you check with your advisor before buying a life or term policy to insure that it covers critical illness.
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